21 Spruce St, Laconia, NH 03246 Property Records

Belknap County and Laconia City property record for 21 Spruce St, Laconia, NH 03246

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,428 sqft · built 1985
Lot Size	0.223 acres (9,733 sqft)
Owner	2 Individual Names on File
Last Sale	$387,000 (Sep 2026)
Tax Bill	$4,370 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
APN	`LACO M:457 B:205 L:43`

Property Details

APN / Parcel Number

Primary APN	`LACO M:457 B:205 L:43`
Alternative APN	`2334`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,428 sqft Living Area
Gross Area	2,576 sqft
1st Floor Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	9,733 sqft (0.223 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2334
Street Address	21 SPRUCE ST
City	LACONIA
State	NH
Zip	03246-3844
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Block	205
Legal Lot Number	43
Jurisdiction	LACONIA CITY NH
Township / Civil Division	LACONIA
Census Block Group	4
Census Block	4011
Census Tract	965900

Owner

21 Spruce St is owned by two individuals who bought it in September 2026.

Source: Belknap County and Laconia City records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	239 S MAIN ST, LACONIA, NH 03246-3718
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on File
Deed Sale	Sep 28, 2026 · Amount on File
Prior Sale	Nov 22, 2002 · Amount on File
Deed Document Number	20269565
Deed Book / Page	3775 / 924
Prior Transfer Date	Mar 10, 2025
Prior Transfer Doc	003669-256
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LACONIA CITY NH
Recording Date	Sep 28, 2026
Property Address	21 SPRUCE ST, LACONIA, NH 03246-3844
Document Number	0000009565
Book / Page	3775 / 924
Instrument Date	Sep 25, 2026
Instrument	20269565
Transaction Type	Transfer
Record Updated	Oct 21, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	239 S MAIN ST, LACONIA, NH 03246-3718

Mortgage

Date	Sep 28, 2026

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 21 Spruce St was $4,370.

Source: Belknap County and Laconia City assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Belknap County
Municipality	Laconia City
Unified School District	Laconia School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,370.00	$336,700 Land $121,900 Building $214,800
2023	$4,003.00 (+9.49%)	$287,800 (+16.9%) Land $103,300 Building $184,500
2022	$3,656.00	$246,200 Land $87,600 Building $158,600

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA has no flood map on file for 21 Spruce St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 21 Spruce St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 52% of New Hampshire
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LACONIA WATER WORKS serves 17,125 people · EPA ID NH1281010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	4 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 543 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Breezeline Fiber · Cable in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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